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Bertila is 45 years old and lives in her own house with her children. She works in agriculture, specifically basic grains, corn, beans and others. She has lots of experience and always obtains the best harvests. Her land is located in an agricultural area, and she sells in the surrounding areas. She is well known by everyone, and has won many customers as she sells quality products which are affordable, as well as offering a good service. To help with her expenses she also receives help from some of her children.

Bertila is a hard-working woman, who is always on the lookout for new opportunities to help her have a more prosperous future. She wants to increase her crop production this season, and has therefore requested a loan from INTEGRAL to buy corn seeds, beans, fertilizers, tools, etc. Bertila does not have any loan experience but does have good payment references. She is sure that she will be able to repay her debt, and will be able to give her family a good life.
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Bertila de cuarenta y cinco años de edad vive junto a sus hijos en casa propia, ella se dedica a la agricultura específicamente a granos básicos, maíz, frijol entre otros, tiene mucha experiencia y siempre obtiene las mejores cosechas, el terreno está ubicado en una zona agrícola, comercia en todos los alrededores y es muy conocida por las personas, se ha hecho de mucha clientela ya que todo lo que vende es de calidad, a precios accesibles y con un buen servicio, además para complementar gastos recibe ayuda de algunos de sus hijos; Bertila es una mujer trabajadora, siempre a la expectativa de nuevas oportunidades que le ayuden a ganarse un futuro más próspero, quiere aumentar la producción en esta temporada de siembra pero necesita de ingresos, por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, fertilizantes, herramienta, etc. Bertila no tiene experiencia crediticia pero si muy buenas referencias de pago, tiene la certeza que podrá pagar la deuda, y a la vez darle a su familia una vida plena.

Additional Information

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About El Salvador

  • $7,500
    Average annual income
  • 639
    View loans »
    El Salvador Loans Fundraising
  • $28,127,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Bertila to buy corn seeds, beans, fertilizers and tools.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 21, 2012
Jun 4, 2012
Currency Exchange Loss:
Apr 18, 2013